In a simple test, we ran the spelling and grammar tools of both Word and Grammarly through a poorly worded sentence. 
​
Grammarly Free: Because spelling and grammar correction come standard with the free version of Grammarly, the tool is infinitely more useful than Word. In the example above, it detected every error and provided helpful explanations as to why a change should be made. 

MS Word: While the tool failed all tests, it's arguably still better than nothing. Like Grammarly, it also has settings for regional uses of English.

Summary
For spelling and grammar checking, there is little difference between the free and premium versions of Grammarly. Both correctly identify spelling errors, long-worded phrases and poor grammar. Grammarly Premium's advanced editing tools, explained in detail below (Grammarly walkthrough) take proofreading to a new level and are highly useful. 
​​

Grammarly Premium costs between 11.66 and 29.95 USD per month, depending on how long you sign up for. 
Individual Subscriptions are:

• Monthly — 29.95 USD/month (billed monthly)
• Quarterly Subscription — 19.98 USD/month (billed as one payment of 59.95 USD every three months)
• Annual Subscription — 11.66 USD/month (billed as one payment of 139.95 USD once a year)

There is no regional pricing - payments made in New Zealand dollars or any other currency are converted to USD at the current exchange rate at the time of purchase.

Save up to 50% for the first year

• By signing up to the free version of Grammarly, not only will you get used to the tool but within days you will be invited to purchase Grammarly Premium at a substantial discount.
• In our experience, a team member's personal GMAIL inbox received many offers to sign up, offering 40% to 50% off.
• If you want a more immediate discount, a Google for 'Grammarly coupons' will bring in offers ranging from 10% to 25%.​

Is Grammarly worth the money?
The answer is...it depends. By right, everyone should sign up for the free version. If you're going to frequently write (i.e. daily) and believe that strong language communication is essential, then Grammarly could be for you. On the other hand, if you seldom need to write formally, the answer could lean to a 'no'. Benefits include:

• It's easy to miss mistakes; Grammarly’s automated proofreader flags an extensive range of errors and ultimately provides a backup option for tired eyes.
• Grammarly eliminates time otherwise spent rereading and rewriting with a laser focus on areas which need improvement.
• However, before signing up for an annual program, make sure it's going to pay off for your everyday work or study. For a specific purpose such as writing a paper or report, a monthly subscription may be sufficient. 

The best way to see how Grammarly works and how accurate it is is to walk through a sample of the tool. MoneyHub uses Grammarly to proof all draft pages as part of our internal review process. While we have our editorial team, we noticed that deploying Grammarly before internal reviews led to a considerable reduction in their workload. 
​
In the following screenshots, we outline how Grammarly works, its benefits, its shortcomings and how it can best be used for everyday written communication.

Please note, this review looks primarily at Grammarly Premium, the paid service - the free version (we call this 'Free Grammarly') only detects spelling and grammar errors, as outlined below. 
​
A warning about the accuracy of Grammarly
MoneyHub's team of writers use Grammarly multiple times per day. The examples below are indicative of standard use, but do not confirm any degree of accuracy. Every user's needs are unique and Grammarly may not be appropriate for some needs. Our view is this - just because Grammarly suggests it doesn't mean it's correct - challenge every correction flagged to get the best outcome.

Step 1. Uploading Content
All content previously analysed by Grammarly is stored on your online editing account for reference. When you log in, simply clicking "New" prompts you to upload. Once analysed, you are presented with suggested corrections which you can accept (or ignore) one by one. 

Useful app add-in products

1. If you work in Word, Excel, PowerPoint or any other Office product, you can download the MS Office Grammarly add-in where content is directly analysed within your file. 
2. If you use GMAIL, Yahoo etc, the Grammarly Chrome app will check spelling and grammar as you type in Chrome. There are also extensions for Firefox, Safari, and Edge.

Grammarly's online editor makes it easy to paste content into the tool. However, all formatting is removed (bold/italic, links, spacing etc), so if you're taking content from a webpage or custom file, you will need to make updates directly onto your file as Grammarly runs through its suggested corrections.

Step 2. Set Goals
After pasting in the content, Grammarly asks the goals of the document. As a rule, we always tick the boxes of 'inform', 'general', 'formal', 'mild' and 'general' which best reflects our readership base. However, every user is different and Grammarly's suggestions will vary based on your goals. In our experience, selecting 'informal' as a style means far less potential errors are flagged.
​
Step 3. Understand the Suggested Corrections
Once you click 'Done', a number of suggested correction classes are generated. They are ordered as follows:

1. Spelling - Grammarly highlights potential spelling errors (pre-set to your native version of English)
2. Grammar - Grammarly highlights potential grammar issues, which can be subjective and need to be closely considered
3. Punctuation - known as the 'comma tool', this is where Grammarly suggests the use of commas in sentences
4. Fluency - Grammarly focuses on suggesting better word choices in place of what you have used
5. Conventions - Grammarly helpfully detects double spacing between words and variants of words, capitalisation and other common errors
6. Formality - If you've selected 'formal' under writing style. Grammarly will detect the use of words that it believes are informal - 'and/or' being a primary example.
7. Confidence - Grammarly looks at sentences which are uncertain and suggests their removal to give the content strength 
8. Conciseness - Grammarly flags any sentences which are too wordy and recommends a more concise replacement
9. Clarity - Grammarly actively highlights what it considers to be a 'passive voice' and needs to be re-written to be clear for a reader to understand your point, although each suggestion can be subjective
10. Variety - Grammarly detects words that are repetitive in the text and suggests alternatives to give variety
11. Vocabulary - Grammarly looks for weak or vague words and suggests replacements

Grammarly takes you through each class of correction at a time. So you will correct spelling errors first, then grammar issues, then punctuation, and so on.

The images below demonstrate examples of what Grammarly flags for your review:

Step 4. Optional Features
Once all checks are complete, Grammarly confirms with a concluding statement as indicated above. There are further optional steps, outlined below.

1. The plagiarism tool scans the internet and flags any duplicate content. In our testing, this tool has proven to be accurate with detection from only a few words.

2. Human proofreading is an optional service whereby a Grammarly staffer manually proofreads your text. The faster you want it, the more you pay, with rates from 4 to 9 cents per word. However, proofreaders do not reorganise, restructure, or rewrite the text. The purpose of the service is to give an assurance there are no spelling or grammatical mistakes.

3. Document insights is a feature which gives a summary of each text, a score on multiple fields, reading time and readability.